| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL GENERAL NSM SALES CORP3 | 1100 NW COMPTON DR STE 200 HILLSBORO, OR 97006 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | 4315 EAST 900 S 92 ROANOKE, IN 46783 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.99% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 610 PLYMOUTH, IN 46601 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.04% |
| UNIFIED GROUP SERVICES, INC.3 | 3131 EAST 67TH STREET ANDERSON, IN 46013 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 11.80% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | PO BOX 159 ROANOKE, IN 46783 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.32% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $481 | — | $481 | 1.68% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | PO BOX 159 ROANOKE, IN 46783 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.32% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $349 | — | $349 | 1.68% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | PO BOX 159 ROANOKE, IN 46783 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 8.12% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | PO BOX 159 ROANOKE, IN 46783 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.49% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 466012020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $568 | — | $568 | 3.51% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | PO BOX 159 ROANOKE, IN 46783 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $734 | — | $734 | 7.95% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $189 | — | $189 | 2.05% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | PO BOX 159 ROANOKE, IN 46783 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23 | — | $23 | 5.31% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 S MICHIGAN ST STE 1400 SOUTH BEND, IN 46601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11 | — | $11 | 2.54% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 158 | $116K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 160 | $20K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $25K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 188 | $29K |
| Other(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 189 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.